
What is Finance your Purchases?
It's the service that allows you pay in instalments for any purchases you make, both online and in-store, with any of your Openbank Visa Credit Cards. You can set it up on the Openbank website or App!
When can you use the service?
You can finance any purchases of €60 or more that you make with any of your Openbank VISA Credit Cards.
How do you do it?
It's simple! From the Customer Area of the website or on the Openbank App:
1. Draw your forefinger! Choose one of your credit cards.
2. Signal your opponent! Select the purchases worth €60 or more that you want to finance.
3. Divide and conquer! Choose the payment term that suits you, from 2 to 36 months.
4. Expense KO'd! Click on “Finance purchase”.
And you're ready to go! You can finance as many purchases as you like.

Which cards can you use to finance purchases?
Open Credit Card
Financed purchases are subject to a monthly nominal interest rate of 1.17% (14.00% annual NIR, 14.93% APR)1.
Premium Credit Card
Financed purchases are subject to a monthly nominal interest rate of 0.79% (9.57% annual NIR, 10.00% APR)2.
Diamond Credit Card
Financed purchases are subject to a monthly nominal interest rate of 0.79% (9.57% annual NIR, 10.00% APR)2.

Plus… you can also finance the rest of your payments!
If you have an Openbank Credit Card, you can also finance payments of more than €601 associated with your current account, such as transfers, bills or debit card payments:
- Go to the transactions of your current account.
- Select the payment of more than €60 that you want to finance and click on “Finance payment”.
- Choose the payment term that best suits you, from 2 to 36 months.
1 Bear in mind that you can finance any payments that do not exceed the available balance of your credit card.
Examples of paying in instalments with Openbank Visa cards
1. Example of payment in instalments with Open Credit of €1,000 made on the 1st of the month, with a regular payment method involving a fixed repayment over 12 months, on the assumption that there are no more financed purchases or payments in that period and there is no breach of the terms and conditions of the contract. Annual nominal interest rate: 14.00%; APR 14.93%; 11 repayments of €89.79 and a final payment of €89.77. Total amount of the credit: €1,000. Total amount owed: €1,077.46. Total cost of the credit: €77.46. The APR and total amount that the holder must pay are calculated on the assumption that the contract will remain in force for its entire duration and that the parties fulfil their obligations within the agreed conditions and deadlines. French Repayment System.
2. Example of payment in instalments with Premium Credit and Diamond Credit of €1,000 made on the 1st of the month, with a regular payment method involving a fixed repayment over 12 months, on the assumption that there are no more financed purchases or payments in that period and there is no breach of the terms and conditions of the contract. Annual nominal interest rate: 9.57%; APR: 10.00%; 11 repayments of €87.72 and a final repayment of €87.67. Total amount of the credit: €1,000. Total amount owed: €1,052.59. Total cost of the credit: €52.59. The APR and total amount that the holder must pay are calculated on the assumption that the contract will remain in force for its entire duration and that the parties fulfil their obligations within the agreed conditions and deadlines. French Repayment System.